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Loan Rates Share Rates Certificate Rates Fee Schedule

Effective as of: September 21, 2020
Type of LoanTermAPRMonthly Payment
Loans
Type of LoanTermAPRMonthly Payment per $1,000 Borrowed
Unsecured LoansUp to 72 Months6.25% to 18.00%$16.70 on a 72-month loan @ 6.25%
Based on Good Credit
50% Share Secured LoansUp to 36 Months9.00%$31.80 on a 36-month loan
Minimum $1,000; Maximum $6,000
100% Share Secured LoansUp to 120 Months5.00%$10.61 on a 120-month loan
Minimum $1,000
 
VISA Classic or Platinumn/a7.90 - 17.90%Unsecured
*may incur fees of : $20.00 late fee, $5.00 cash advance fee, $20.00 return check fee and/or Foreign Transaction fee 1% of each transaction in US dollars
Visa Disclosure
VISAn/a8.90%Share Secured
*may incur fees of: $20.00 late fee, $5.00 cash advance fee, $20.00 return check fee and/or Foreign Transaction fee 1.00% of each transaction in US dollars
MotorcyclesSee car ratesSee car ratesNew or Used
 
First Mortgage Rates-Purchase Only
First Mortgage Rate-Purchase-Minimum Down Payment is 5%
TermRateAPR *Monthly Payment per $1,000.00 Borrowed
15 Years3.125%3.191%$ 6.97 per $1,000.00
30 Years3.375%3.412%$ 4.43 per $1,000.00
* APR is annual percentage rate. Payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.
First Mortgage Rates-1st Lien-Home Equity or Refinance
TermRateAPR *Monthly Payment per $1,000.00 Borrowed
7 Years3.90%3.90%$13.62 per $1,000.00
10 Years3.90%3.90%$10.07 per $1,000.00
15 Years3.90%3.90%$ 7.34 per $1,000.00
* APR is annual percentage rate. Payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.
First Mortgage Rates-1st Lien-Home Equity or Refinance (New Loans Only)
TermRateAPR *Monthly Payment per $1,000.00 Borrowed
15 Years or less3.49%3.49%$ 7.15 per $1,000.00
* APR is annual percentage rate. Payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.
Second Mortgage-2nd Lien-Home Improvements
~ 75% of Appraisal Value, Minus Liens ~ *APR is annual percentage rate. Payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.
TermRateAPR *Monthly Payment per $1,000 Borrowed
Up to 60 Months6.00%6.00%$19.34 on a 60-month loan
61 to 84 Months6.25%6.25%$14.12 on a 84-month loan
86 to 120 Months6.50%6.50%$11.36 on a 120-month loan
$200,000 Maximum loan amount
 
New and Used Vehicle Loans (2015-2020)
FICO CREDIT SCORE OF 730-850
TermRate **APRMonthly Payment per $1,000 Borrowed
36 Months 2.90%2.90%$29.04 on a 36-month loan
48 Months 2.95%2.95%$22.12 on a 48-month loan
60 Months 2.99%2.99%$17.97 on a 60-month loan
72 Months 3.95%3.95%*$15.40 on a 72-month loan
*Over $20,000
**Interest rates may vary depending on the credit score, term and year of the vehicle.
 
New and Used Vehicle Loans (2015-2020)
FICO CREDIT SCORE OF 680-729
TermRate **APRMonthly Payment per $1,000 Borrowed
36 Months 3.25%3.25%$29.20 on a 36-month loan
48 Months 3.30%3.30%$22.27 on a 48-month loan
60 Months 3.49%3.49%$18.19 on a 60-month loan
72 Months 4.25%4.25%*$15.76 on a 72-month loan
* Over $20,000
**Interest rates may vary depending on the credit score, term and year of the vehicle.
 
New and Used Vehicle Loans (2015-2020)
FICO CREDIT SCORE OF 640-679
TermRate *APRMonthly Payment per $1,000 Borrowed
36 Months3.65%3.65%$29.37 on a 36-month loan
48 Months4.10%4.10%$22.63 on a 48-month loan
60 Months4.29%4.29%$18.55 on a 60-month loan
* Interest rates may vary depending on the credit score, term and year of the vehicle.
 
Used Vehicle Loans (2012-2014)
TermRate *APRMonthly Payment per $1,000 Borrowed
36 Months3.60%3.60%$29.35 on a 36-month loan
48 Months4.40%4.40%$22.76 on a 48-month loan
*Interest rates may vary depending on the credit score, term and year of the vehicle.
Used Vehicles 2011 and older
TermRate *APRMonthly Payment per $1,000 Borrowed
36 Months4.60%4.60%$29.80 on a 36-month loan
*Interest rates may vary depending on the credit score, term and value of the vehicle.
 
Life Style Loans
TermRate *APRMonthly Payment per $1,000 Borrowed
12 - 72 Months6.25 - 18.00%6.25% to 18.00%$86.19 on a 12-month loan @ 6.25%
*Based on your Good Credit.